If you need a quick and effortless way to determine how much car insurance you need in Ohio, MoneyGeek’s car insurance calculator can assist. It provides an estimated premium amount based on factors like your age, driving record and more. Plus, it demonstrates how you can save money by selecting the coverage that meets your needs.
The Average Car Insurance Cost in Ohio
On average, car insurance in Ohio costs $1,008 annually. Rates may vary based on your age and other factors like location. That is why it’s essential to shop around for a policy that provides the most value at the lowest price.
Good Drivers in Ohio Pay Less for Car Insurance
According to WalletHub’s analysis of data from the National Association of Insurance Commissioners, drivers with excellent credit and a clean driving history often enjoy lower car insurance rates than other types of motorists. Furthermore, those with high-quality safety features and low mileage tend to pay less overall for coverage compared to others.
Comparing Car Insurance Companies in Ohio
Your car insurance rates are determined by a variety of factors, such as age, gender and driving record. To find the most competitive prices from top insurers in Ohio, make sure to compare quotes from multiple providers.
Young Drivers in Ohio Face High Car Insurance Rates
Teen drivers pay more than three times the average car insurance rate for 35-year-old males with good driving records. Nationwide, statistics reveal that young, inexperienced drivers tend to engage in riskier behaviors such as speeding and texting while driving.
Young drivers tend to get into more accidents and make more claims, leading to higher car insurance costs. Insurers want to protect themselves financially in case they end up paying out more than necessary in an accident; that is why their rates are higher for young drivers.
Young Drivers Must Shop for Affordable Coverage
If you’re a young driver with an accident or violation on your record, expect your car insurance rates to go up substantially. Even a speeding ticket, DUI or other infraction will affect premiums in the long run, particularly if this is your first offense. To make things better, shop around and compare rates before making a decision.
A traffic infraction not only has an adverse effect on your insurance rates, but it may also necessitate the filing of an SR-22 form by your car insurance company with the state. This form is mandatory following a DUI or other serious infraction.
With an SR-22, you can still drive in Ohio; however, you must obtain a special license plate and install a device called a breathalyzer. Since these must remain on your car for at least a year, finding an insurer with reasonable coverage is key.
Finding a cheap SR-22 policy in Ohio is easy by shopping around and using our online car insurance calculator to estimate what your costs will be. Simply enter your ZIP code to start comparing rates from top carriers.